Photoguard insurance

blackjack · 31 Dec 2011

Having now bought my second body, I really do need to do something about getting all my equipment insured.

I have been looking online and it would seem the Photoguard offer good cover that includes equipment in the boot of a car (providing certain conditions are met). Has anyone used Photoguard or have any thoughts or opinions or alternatively can anyone recommend any other insurers who are known to be good.

Many thanks

stokes · 31 Dec 2011

blackjack said:
Having now bought my second body, I really do need to do something about getting all my equipment insured.

I have been looking online and it would seem the Photoguard offer good cover that includes equipment in the boot of a car (providing certain conditions are met). Has anyone used Photoguard or have any thoughts or opinions or alternatively can anyone recommend any other insurers who are known to be good.

Many thanks

I use Photoguard. Seem pretty good, but have never had to claim.

treeman · 31 Dec 2011

I used Photoguard and had to make a claim earlier this year, and it was paid in full within 5 days.

nikonuser · 31 Dec 2011

I'm with Aaduki http://www.aaduki.com/ and paying £10.50'ish/month for £6000 worth of cover.
You never know how good they are until you have to make a claim
Dave

Mike_T · 31 Dec 2011

I'm with Photoguard, never had to make a claim though, touch wood.

stokes · 31 Dec 2011

treeman said:
I used Photoguard and had to make a claim earlier this year, and it was paid in full within 5 days.

that is good!

Was it a big claim?

modchild · 31 Dec 2011

I had some gear covered by E&L insurance but after looking further into their t&c's I decided to go with Photoguard. I got £8000 cover, fully insured with travel cover for around £250 a year, with a £250 excess as opposed to an 8% excess with E&L. As I've already paid the premium for E&L I've given the camera and stuff to the wife.

Val Graham · 31 Dec 2011

I took out a policy with Photoguard and then within a few weeks lost my D700 and tripod off a cliff (spring 2011)! I made a claim and they asked a few follow up questions and then they offered to supply replacement kit via Jacobs. This was fine expect that Jacobs price was more than I'd originally insured the D700 for. I sourced it elsewhere and Photoguard refunded the cost. All sorted within a few weeks.

Note to self: watch out for gusty winds on cliff tops.

PaulMW · 31 Dec 2011

Val Graham said:
I took out a policy with Photoguard and then within a few weeks lost my D700 and tripod off a cliff (spring 2011)! I made a claim and they asked a few follow up questions and then they offered to supply replacement kit via Jacobs. This was fine expect that Jacobs price was more than I'd originally insured the D700 for. I sourced it elsewhere and Photoguard refunded the cost. All sorted within a few weeks.

Note to self: watch out for gusty winds on cliff tops.

That must have been a heart stopping moment!!

I really must sort out insurance myself, 2 bodies and a fair collection of lenses now, when you tot up the replacement value. it certainly makes you think...

faddius · 31 Dec 2011

When you get quotes for insurance do you use the value that you paid for your equipment (so taking into account second hand prices etc.) or the value of your equipment brand new (as they provide new replacement gear)?

I should really get insurance as im not the luckiest person in the world